Home Insurance

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered?

These questions are crucial to address, because you can’t get insurance after a disaster strikes—and that can happen at anytime. 

While home insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be covered. That’s why it’s important to talk one of our insurance agents about specific coverage options for your individual needs.

Aside from protecting your dwelling, personal property, and liability some additional coverages to consider:

• Back up of sewer,drains, sump pump failure
• EQ Breakdown
• Service Line Coverage
• Scheduled Personal Property (jewelry, furs, fine arts)
• Identity Theft
• Flood Insurance (separate policy required)

Working with our agents allows you to explore all of your options for insurance, and protect the things that are most important to you.

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

• Most policies will not cover sewer back-up unless you purchase a special endorsement—it’s not expensive, but you won’t get it if you don’t ask for it.
• Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered – including flood.
• A standard homeowner policy only covers jewelry up to set limits if the loss results from one of the perils named on the policy, ex: fire, theft, tornado
• Mechanical and/or electrical breakdown of common household appliances are not covered perils; however, many carriers now offer Equipment Breakdown Coverage for an additional premium.
• IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.
  

Learn more about auto insurance here.